Clearview Federal Credit Union Mortgage Rates, Fees & Info

Moon Township, PA

LEI: 549300BHPLBG0CXKTL06

Tax ID: 52-6051818

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

Review & Overview

Clearview Federal Credit Union is a smaller credit union specializing in Refi loans. Clearview Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Pittsburgh, Philadelphia, Salem, Tampa, and Miami among others. We have data for 75 markets. (Some data included below & more in-depth data is available with an active subscription.)

Clearview Federal Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Clearview Federal Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.14% 3/28/24
30 Year Conventional Purchase 5.88% 3/28/24
30 Year Conventional Refi 6.18% 3/28/24
30 Year Cash-out Refi 5.87% 3/28/24
15 Year Conventional Purchase 5.51% 3/28/24
15 Year Conventional Refi 5.91% 3/28/24
15 Year Cash-out Refi 5.91% 3/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Clearview Federal Credit Union Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Clearview Federal Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,511

Origination Dollar Volume (All Markets)

$125,645,000

Awards

Clearview Federal Credit Union 30 Year Conventional Loans gold Clearview Federal Credit Union 30 Year Conventional Loans bronze
Show all (2) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
PITTSBURGH, PA (FHA|USDA|VA) 1,268 $101,690,000 $80,197 $479 4.38%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 24 $2,340,000 $97,500 $847 4.69%
Outside of Metro Areas 17 $2,075,000 $122,059 $803 4.43%
Salem, OH (FHA|USDA|VA) 30 $1,900,000 $63,333 $284 3.75%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 11 $1,555,000 $141,364 $580 4.00%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 13 $1,425,000 $109,615 $877 4.56%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 8 $870,000 $108,750 $691 3.91%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 6 $790,000 $131,667 $414 4.29%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 5 $705,000 $141,000 $1,612 4.10%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 6 $660,000 $110,000 $207 3.87%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $595,000 $119,000 $584 4.35%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 4 $580,000 $145,000 $587 3.72%
New Castle, PA (FHA|USDA|VA) 10 $510,000 $51,000 $387 3.63%
Meadville, PA (FHA|USDA|VA) 4 $500,000 $125,000 $398 3.81%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 6 $470,000 $78,333 $741 4.23%
ERIE, PA (FHA|USDA|VA) 3 $445,000 $148,333 $1,456 4.83%
Ashtabula, OH (FHA|USDA|VA) 2 $400,000 $200,000 $3,062 4.69%
MISSOULA, MT (FHA|USDA|VA) 2 $390,000 $195,000 $1,784 3.94%
Somerset, PA (FHA|USDA|VA) 3 $385,000 $128,333 $366 3.83%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $370,000 $185,000 $3,679 5.18%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $345,000 $345,000 $4,085 3.38%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $345,000 $345,000 $2,581 3.25%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $330,000 $165,000 $621 5.50%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $300,000 $150,000 $589 3.38%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 4 $290,000 $72,500 $394 4.94%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $285,000 $285,000 $1,506 5.75%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $280,000 $140,000 $181 3.63%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $275,000 $275,000 $3,387 4.75%
COLUMBUS, OH (FHA|USDA|VA) 4 $260,000 $65,000 $322 4.44%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $245,000 $245,000 $0 4.75%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 4 $240,000 $60,000 $430 5.00%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $200,000 $100,000 $0 4.63%
OCALA, FL (FHA|USDA|VA) 2 $200,000 $100,000 $2,805 4.00%
ROCKFORD, IL (FHA|USDA|VA) 2 $200,000 $100,000 $0 4.88%
MOBILE, AL (FHA|USDA|VA) 2 $190,000 $95,000 $149 3.88%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $175,000 $175,000 $2,956 3.88%
Indiana, PA (FHA|USDA|VA) 2 $150,000 $75,000 $216 5.38%
RENO, NV (FHA|USDA|VA) 1 $145,000 $145,000 $776 3.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $140,000 $35,000 $221 4.63%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $130,000 $65,000 $591 4.13%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.75%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $125,000 $125,000 $226 4.00%
COLUMBIA, SC (FHA|USDA|VA) 1 $125,000 $125,000 $2,749 4.13%
ALTOONA, PA (FHA|USDA|VA) 2 $120,000 $60,000 $606 4.63%
SAVANNAH, GA (FHA|USDA|VA) 1 $115,000 $115,000 $241 3.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $105,000 $105,000 $596 6.00%
READING, PA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.50%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $105,000 $105,000 $3,594 3.88%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $95,000 $95,000 $211 3.50%
Grants, NM (FHA|USDA|VA) 1 $95,000 $95,000 $246 3.50%
Torrington, CT (FHA|USDA|VA) 2 $90,000 $45,000 $0 4.75%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $85,000 $85,000 $351 3.25%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $85,000 $85,000 $231 3.75%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $80,000 $40,000 $235 4.12%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $80,000 $40,000 $373 3.75%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $60,000 $30,000 $476 5.63%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.50%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.25%
UTICA-ROME, NY (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.75%
ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $50,000 $25,000 $206 4.63%
LYNCHBURG, VA (FHA|USDA|VA) 1 $45,000 $45,000 $256 5.00%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $45,000 $45,000 $283 3.25%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $45,000 $45,000 $186 3.25%
DOVER, DE (FHA|USDA|VA) 1 $45,000 $45,000 $241 3.75%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.00%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $35,000 $35,000 $236 3.50%
SYRACUSE, NY (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.75%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $25,000 $25,000 $231 3.50%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $25,000 $25,000 $321 3.75%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $25,000 $25,000 $291 3.00%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $25,000 $25,000 $261 4.25%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.50%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $25,000 $25,000 $181 4.50%
TOLEDO, OH (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.75%
RICHMOND, VA (FHA|USDA|VA) 1 $15,000 $15,000 $186 3.50%
Clearview Federal Credit Union's top markets include Pittsburgh, Philadelphia, Salem, Tampa, and Miami among others.

Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Clearview Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    TRI BORO
    Similarity Rank: 70
    WELCOME HOME FINANCE, L.P.
    Similarity Rank: 237
    M. S. Flynn, Inc.
    Similarity Rank: 252
    NEW FED MORTGAGE, CORP.
    Similarity Rank: 328
    ARMCO CREDIT UNION
    Similarity Rank: 490
    NEXTIER BANK, NATIONAL ASSOCIATION
    Similarity Rank: 775

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,030 $87,210,000 $84,670 $518 3.97%
    HELOC 481 $38,435,000 $79,906 n/a 5.17%

    For 2019, Clearview Federal Credit Union's most frequently originated type of loan was Conventional, with 1,030 originations. Their 2nd most popular type was HELOC, with 481 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 452 $50,850,000 $112,500 $421 3.87%
    Other 424 $25,060,000 $59,104 $303 4.58%
    Home Improvement 369 $17,625,000 $47,764 $277 4.62%
    Cash Out Refi 156 $16,430,000 $105,321 $596 4.32%
    Home Purchase 110 $15,680,000 $142,545 $2,624 4.67%

    For 2019, Clearview Federal Credit Union's most frequently cited loan purpose was Refi, with 452 originations. The 2nd most popular reason was Other, with 424 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 775 $68,305,000 $88,135 $547 4.83%
    15 Year 309 $30,565,000 $98,916 $435 3.78%
    10 Year 224 $12,310,000 $54,955 $279 3.96%
    5 Year 124 $3,970,000 $32,016 $224 3.85%
    30 Year 43 $8,375,000 $194,767 $3,115 4.04%
    Other 36 $2,120,000 $58,889 $271 3.69%

    For 2019, Clearview Federal Credit Union's most frequently cited loan duration was 20 Year, with 775 originations. The 2nd most popular length was 15 Year, with 309 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 995 $82,975,000 $83,392

    Clearview Federal Credit Union's average total fees were $3,115, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 995 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 555 $51,595,000 $92,964
    4-5% 437 $30,345,000 $69,439
    5-6% 280 $23,820,000 $85,071
    2.5-3% 169 $14,755,000 $87,308
    6-7% 56 $4,240,000 $75,714
    7-8% 11 $525,000 $47,727
    Over 8% 3 $365,000 $121,667

    During 2019, Clearview Federal Credit Union's average interest rate for loans was 4.04%, while their most frequently originated rate bucket for loans was 3-4%, with 555 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,072 $49,180,000 $45,877 $319 4.42%
    $100k-200k 329 $44,945,000 $136,611 $786 4.21%
    $200k-400k 99 $25,755,000 $260,152 $1,487 4.19%
    $400k-600k 8 $3,500,000 $437,500 $3,330 4.09%
    $600k-1MM 2 $1,260,000 $630,000 $811 4.38%
    $1MM+ 1 $1,005,000 $1,005,000 $0 5.49%

    2019 saw Clearview Federal Credit Union place emphasis on $100,000 or less loans with 1,072 originations, totaling $49,180,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 346 $30,050,000 $86,850 $549 4.38%
    $50k-75k 332 $20,590,000 $62,018 $384 4.22%
    $75k-100k 272 $21,260,000 $78,162 $580 4.33%
    $50k or less 266 $14,970,000 $56,278 $508 4.13%
    $150k-250k 179 $21,235,000 $118,631 $673 4.58%
    $250k+ 66 $12,110,000 $183,485 $584 5.12%

    Clearview Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 346 originations. The second most popular income band? $50k-75k, with 332 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 411 $34,525,000 $84,002 $505 4.29%
    30-36% 296 $23,340,000 $78,851 $556 4.35%
    <20% 201 $16,425,000 $81,716 $446 4.15%
    42% 87 $7,475,000 $85,920 $486 4.56%
    40% 68 $4,410,000 $64,853 $391 4.40%
    41% 63 $5,115,000 $81,190 $612 4.64%
    38% 61 $4,795,000 $78,607 $387 4.42%
    39% 56 $4,030,000 $71,964 $443 4.48%
    37% 48 $4,760,000 $99,167 $556 4.43%
    36% 47 $3,665,000 $77,979 $465 4.44%
    43% 45 $3,445,000 $76,556 $446 4.30%
    44% 26 $2,830,000 $108,846 $977 4.40%
    >60% 23 $2,105,000 $91,522 $215 4.28%
    45% 14 $840,000 $60,000 $657 4.22%
    46% 13 $1,325,000 $101,923 $981 4.56%
    50-60% 11 $1,225,000 $111,364 $568 4.27%
    48% 9 $705,000 $78,333 $1,275 3.76%
    47% 4 $770,000 $192,500 $1,365 4.94%
    49% 3 $415,000 $138,333 $1,150 3.63%

    Clearview Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 411 originations. The next most common DTI ratio? 30-36%, with 296 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,293 $103,595,000 $80,120 $491 4.30%
    Not provided 142 $14,730,000 $103,732 $708 4.58%
    Not applicable 20 $2,680,000 $134,000 $0 5.13%
    Asian 18 $2,330,000 $129,444 $921 4.33%
    Black 35 $2,225,000 $63,571 $654 4.86%
    American Indian 2 $60,000 $30,000 $486 4.38%
    Native Hawaiian or Islander 1 $25,000 $25,000 $0 4.50%

    Approval Rates

    Total approvals of all applications
    77.20%

    Clearview Federal Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    86.96%

    Clearview Federal Credit Union has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,511 $125,645,000 $83,154

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 5 $1,025,000 $205,000
    Single Family (1-4 Units):Manufactured 9 $555,000 $61,667
    Single Family (1-4 Units):Site-Built 1,497 $124,065,000 $82,876

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 408 $25,500,000 $62,500 $300 4.46%
    40-60% 200 $21,640,000 $108,200 $500 4.15%
    60-80% 275 $40,075,000 $145,727 $733 3.88%
    80-100% 141 $21,035,000 $149,184 $1,450 4.33%
    Over 100% 2 $280,000 $140,000 $0 5.75%
    Under 20% 485 $17,115,000 $35,289 $269 4.63%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    ClearPath Lending VA mortgage Applying for a mortgage or refinancing an existing mortgage 5 83.3%
    ClearPath Lending VA mortgage Closing on a mortgage 1 16.7%